Axis Bank Ltd. benchmarking: Performance to industry peers

Financial

	Axis Bank	Kotak Mahindra Bank	AU Small Fin. Bank
Operational Metrics
Asset Management
5 Yr AUM CAGR - Mutual Funds	12.51 %	20.33 %	n/a
AUM - Mutual Funds	356134.91 Crs	591184.94 Crs	n/a
% of AUM in equity fund	56.68 %	58.72 %	n/a
Banks
CASA Ratio	40.0 %	43.3 %	28.0 %
CASA vs Liabilities	28.32 %	31.66 %	24.63 %
Credit Deposit Ratio	92.34 %	86.6 %	80.0 %
Capital to Risks Assets Ratio (CRAR)	16.42 %	23.0 %	18.7 %
Tier I Capital	14.38 %	22.1 %	16.9 %
Tier 2 Capital	2.04 %	0.9 %	1.8 %
Net Interest Margin	3.73 %	4.67 %	5.96 %
Yield On Advances	9.86 %	n/a	13.8 %
Gross NPA	1.23 %	1.2 %	n/a
Net NPA	0.37 %	0.25 %	n/a
Fresh Slippages - Quarterly	4709.0 Crs	1018.0 Crs	659.0 Crs
NBFC
Cost To Income Ratio	47.1 %	46.7 %	57.9 %
Cost of Borrowing	5.06 %	4.45 %	6.49 %
Financials
5 yr Average ROE	12.83 %	14.13 %	21.88 %
5yr average Equity Multiplier	9.73	5.66	8.05
5yr Average Asset Turnover Ratio	0.08	0.12	0.13
5yr Avg Net Profit Margin	14.59 %	20.05 %	21.11 %
5yr Avg Net Profit Margin	14.59 %	20.05 %	21.11 %
5yr CAGR Net Profit	31.28 %	17.24 %	22.55 %
5yr CAGR Sales	14.87 %	13.64 %	64.84 %
5 yr CAGR PPOP	13.18 %	15.44 %	n/a
Price to Book	1.82	2.06	3.54
P/E	14.86	19.39	30.6
Shareholdings
Promoter Holding	8.14 %	25.87 %	22.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.02 %	-0.08 %	-2.78 %
Change in Mutual Fund Holding (3 Yrs)	10.48 %	12.58 %	11.69 %

Business

	Axis Bank	Kotak Mahindra Bank	AU Small Fin. Bank
Loan Break-Up	Loan Break-Up Housing 22.52 Agricultural 10.25 Auto loans 5.81 Trading 5.76 Infrastructure 5.13 NBFC 3.79 Commercial Real Estate 3.53 Metals 2.79 Chemicals 2.58 Consumer Bank 0 SME 0 Small Business& Credit Cards 0 Home Loans and LAP 0 Auto loans 0 Business Banking 0 Consumer durable 0 Tractor finance 0 Agriculture Division 0 0 Corporate Banking 0 Non Priority Sector 0 Priority Sector 0 Others 37.84	Loan Break-Up Chemicals 0 Agricultural 0 Non Priority Sector 0 Trading 0 NBFC 0 Metals 0 SME 7.94 Infrastructure 0 Tractor finance 3.89 Consumer Durable 5.0 Corporate Banking 22.6 Home loans 28.89 Priority Sector 0 Agricultural 5.28 Auto loans 0 Small & Medium Enterprises (SME) loans 2.47 Business Banking 10.08 Housing 0 Commercial Real Estate 0 Consumer Bank 0 Commercial Vehicles 8.92 Others 4.93	Loan Break-Up Chemicals 0 Agricultural 0 Non Priority Sector 39.39 Trading 0 NBFC 0 Metals 0 SME 0 Infrastructure 0 Tractor finance 0 Consumer durable 0 Corporate Banking 0 Home Loans and LAP 0 Priority Sector 60.61 Agriculture Division 0 Auto loans 0 Small Business& Credit Cards 0 Business Banking 0 Housing 0 Commercial Real Estate 0 Consumer Bank 0 0
Segment Break-Up	Segment Break-Up Consumer Finance 61.91 Corporate Banking 22.08 Treasury Operations 13.51 Advisory and Transactional Services 0 Treasury, BMU and Corporate Centre 0 Corporate I Wholesale Banking 0 Insurance 0 Vehicle Financing 0 Broking 0 Asset Management 0 Wholesale banking 0 Retail banking 0 Others 2.5	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Advisory 0.97 Auto Loans 3.76 Broking 4.05 Asset Management 3.15 Insurance 24.11 Retail banking 0 Wholesale banking 0 Corporate Banking 20.87 Treasury Operations 11.28 Treasury Operations 0 Others 31.81	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Advisory and Transactional Services 0 Vehicle Financing 0 Broking 0 Asset Management 0 Insurance 0 Consumer Finance 74.15 Corporate Banking 9.77 Corporate I Wholesale Banking 0 Treasury, BMU and Corporate Centre 0 Treasury Operations 0 Others 16.08
Location Wise Break-Up	Location Wise Break-Up India 97.75 Rest of the World 2.25 West Bengal 0 Uttar Pradesh 0 Punjab 0 Andhra Pradesh 0 Gujarat 0 Kerala 0 Tamil Nadu 0 Karnataka 0 Rajasthan 0 Delhi 0 Maharashtra 0	Location Wise Break-Up Karnataka 0 Punjab 0 Maharashtra 0 West Bengal 0 Uttar Pradesh 0 Kerala 0 Delhi 0 Andhra Pradesh 0 Gujarat 0 Tamil Nadu 0 India 100.0 Rajasthan 0 Rest of the World 0	Location Wise Break-Up Karnataka 2.0 Punjab 5.0 Maharashtra 16.0 West Bengal 0 Uttar Pradesh 3.0 Kerala 0 Delhi 5.0 Andhra Pradesh 3.0 Gujarat 12.0 Tamil Nadu 2.0 India 0 Rajasthan 25.0 Rest of the World 0 Others 27.0
Customer Segment	Customer Segment Retail 56.0 Corporate 32.0 SME 12.0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Corporate Banking 40.29 Consumer Finance 35.21 Treasury Operations 10.51 Insurance 0 Asset Management 0 Advisory and Transactional Services 0 Broking 0 Other Lending Activities 0 Vehicle Financing 0 Treasury, BMU and Corporate Centre 0 Others 13.99	Operating Profit Break-Up Consumer Finance 0 Corporate Banking 0 Advisory 0.89 Auto Loans 3.12 Broking 5.98 Asset Management 8.96 Insurance 4.22 Lending 2.03 Treasury Operations 22.6 Treasury Operations 0 Others 52.2	-
Borrowings Break-Up	Borrowings Break-Up Financial Institutions & Agencies 76.3 Borrowings outside India 16.32 Banks 7.38 Reserve Bank of India 0 0 0 Borrowings in India- Other Banks 0 0	Borrowings Break-Up Financial Institutions & Agencies 0 Banks 0 Borrowings outside India 0 Reserve Bank of India 0 Borrowings in India- Other Institutions and Agencies 68.74 Reserve Bank of India 11.14 Borrowings in India- Other Banks 12.79 Borrowings in India- Other Banks 7.34	Borrowings Break-Up Financial Institutions & Agencies 0 Banking 3.43 Borrowings outside India 0 Reserve Bank of India 0 0 0 Borrowings in India- Other Banks 0 0 Others 96.57
MSME Loan Break-Up	MSME Loan Break-Up Trade Retail & Wholesale 15.0 Food & Beverage 8.0 Commercial Real Estate 7.0 Textiles 7.0 Engineering 6.0 Iron & Steel 4.0 Pharmaceutical 3.0 Metal 3.0 Chemicals 3.0 Construction 2.0 Industrial & Commercial 2.0 Basic Materials Others 0 Others 40.0	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 59.75 Liquid/ Money Market 20.24 Debt 16.1 ETF 2.15 Fund of Funds 1.11 Balanced schemes 0.43 Gilt 0.18 FMP 0.05 PMS & others 0 Insurance 0 Offshore funds 0 Alternate asset 0	AUM Break-Up - Asset Management Fund of Funds 0 FMP 0 Equity 0 ETF 5.38 Gilt 0 Alternate asset 0 Insurance 0 PMS & others 0 Balanced schemes 0 Liquid/ Money Market 13.45 Offshore funds 0 Debt 17.64 Others 63.53	-
Asset Break-Up	Asset Break-Up India 96.49 Others 3.51	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.99 Priority Sector 37.01 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 44.65 Non Priority Sector 55.35	-

Axis Bank Ltd.

Axis Bank Ltd.

Financial

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